Is the Robinhood with Gold cash rate good?
It's close to what Treasury bills pay before tax.
Self-directed brokerage. Default option: High-Yield Cash Program, paying 3.60% (Requires Robinhood Gold ($5 a month)), per the provider's own page, checked September 17, 2026. 3-month Treasury bills: 4.22% (U.S. Treasury, October 23, 2026). Often better: Already close to T-bills; subtract the $60-a-year subscription.
How to read this: gross figures annualize today's rate on your balance; rates change. After-tax figures are estimates from your tax settings, with the math under each one. Advantages compare against Robinhood with Gold and aren't guaranteed savings. IRAs are compared only with other IRA options, since their interest isn't taxed each year.
| Provider and account | Rate, verified | Gross per yearat today's rate | Est. after taxyour settings | Access, conditions, protection | Est. advantagevs your current option |
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